Is it reliable for an insurer to choose insurance? Why is it different from what some insurance sell

Hello, as an insurance student, I feel that the content of the insurance professional course is very useful for most people, especially those who are just getting started with insurance. However, buying insurance is different for everyone, and it is still necessary to analyze the specific problems on a case-by-case basis.

I can't figure it out, and there are also star lecturers on the insurance staff to analyze insurance products and teach communication skills.

Communicate more efficiently.

Running insurance is to sell high history insurance, insurance is a special commodity, is needed by everyone, of course, not everyone has this kind of purchase of spring filial piety, so the need for salesmen to sell, since it is good or not, it depends on the person you face has this kind of purchase consciousness or pickpocketing the manuscript is gone.

In fact, the insurance industry should be a better industry, in foreign development is relatively good, because in China, the development is not good, and there is a form of promotion of broad, so that the insurance industry has fallen into a more embarrassing situation, it can be said that the insurance industry did not do a good job in the early stage of development, resulting in the later stage is now, resulting in the form of insurance in people's hearts is completely ruined, as soon as you talk about the insurance industry, you want to sell fraud, etc., and what else to let people you know to buy, all because of the performance pressure of the previous sales staff, In the case of no way, you can only start with the people around you, this form has been extended to the present, it is completely degraded and erected, so the insurance industry has maintained a state of avoidance, but this is not the insurance industry itself, in fact, insurance is a very good thing, only because China has not developed well, has not embarked on a correct path, there is insurance in the current situation.

At present, people have more awareness of insurance, and they are also trying various types of insurance, which provides soil for the growth of China's insurance industry. With the development of the insurance industry, people's ability to accept him will be greatly improved. The outlook is positive.

Now there are more and more insurance projects and businesses, which shows that the insurance industry in our country is growing steadily.

The insurance object should not only be placed on the people you know, but also expand the purchase object, so as to ensure the healthy development of the insurance industry.

Is it good to buy insurance <>, and is insurance a lie?

There has been a lot of controversy in the insurance industry in China, some people think that it is necessary to buy insurance, but some people say that insurance is deceptive, so is it good to buy insurance, and whether insurance is deceptive?

Buying insurance is actually to help you avoid the risks in life, in life diseases and accidents are unpredictable things, for an ordinary family, once unfortunately suffering from a major disease, then the medical expenses are difficult for many families to bear.

Therefore, purchasing medical insurance or critical illness insurance can reduce the financial burden on the patient's family. Once a family member has an accident, then it may lead to income interruption and family economic problems, then buying an accident insurance can avoid the accident and put your life in a desperate situation.

It can be seen that there are still benefits to buying insurance, so why do many people still say that insurance is a fraud?

China's insurance companies are all established with the approval of the state, and the operation of insurance companies are supervised by the Insurance Regulatory Commission, so from the perspective of insurance itself, it is not a lie, and the reason why people feel that insurance is a fraud is mainly caused by the following aspects:

1. The insurance purchased is not used.

For example, some people have purchased medical insurance, but they have never been sick and hospitalized during the insurance period, which makes many people who buy insurance feel that their money has been spent in vain, so that they feel that insurance is fraudulent;

2. After purchasing the insurance product, it is not possible to make a claim.

There are many types of insurance products in China, insurance claims are implemented in accordance with the terms of insurance, the types of insurance products purchased by the policyholder are different, and the content of the protection will be different.

However, the items claimed by the policyholder are not included in the protection items of the insurance contract, and the insurance company will refuse to pay in this case;

3. Misleading sales.

The standard treaty of the insurance product is very professional, and some insurance salesmen will hide part of the agreement from consumers for their own sales performance, only tell the part that is beneficial to consumers, and even exaggerate the protection content of the insurance product.

Insurance is in accordance with the terms of the insurance contract to provide protection for the policyholder, we should pay attention to carefully check the insurance conditions when buying insurance products, and choose the insurance product that suits you.

Many people feel that they can't see or touch insurance when they buy insurance, and they can't see any benefits after spending so much money, so they always have some concerns when buying insurance, and feel that they are paying for nothing. For everyone, there are many risks that we encounter in our lives, such as accidents, diseases, and death, all of which may bring risks, whether they are poor or rich, this is a risk that every family may encounter. The occurrence of these risks may lead to a large amount of medical expenses for the family, and can also make the breadwinner of the family lose the ability to earn money, which many families cannot afford to afford, but insurance can.

Medical insurance is used to reimburse medical expenses, critical illness insurance is used to cover the loss of income after a critical illness, and life insurance can be used to protect against the risk of death, because it can also be used to protect against the risk of accidents. There are many types and products of insurance, and there are many details of insurance protection responsibilities, so we have to weigh our budget when buying insurance. Use your money well to buy insurance products that are truly suitable for you.

Therefore, the question of whether to buy insurance is reliable or not mainly depends on one's own understanding. The existence of the insurance industry is reasonable, as one of the financial troika, the threshold and barriers of insurance are relatively high. Therefore, we should be in awe, but at present, the insurance industry is mixed, the quality is low, for the sake of performance, the use of words to fool customers, is also a very important reason for the poor reputation of the insurance industry.

If you want to buy insurance, the most important thing is to see whether the company's products are good, whether the company's brand, reputation is good, and whether the salesman you meet is professional. <>

Therefore, the act and idea of buying insurance is still very reliable, because insurance, as the name suggests, is to ensure that when we encounter an accident, we can give us an economic protection, so that we will not have the financial ability to afford after an accident, so we can only give up, or borrow money everywhere. At home or when someone is sick, you can also use insurance to cover most of your medical expenses. It can alleviate the financial pressure on your own family.

It is still very reliable to buy some formal insurance, which can relieve some of the pressure on yourself, and the claim settlement speed is still very fast, but some informal ones are definitely not reliable.

I think it's still more reliable, and the general insurance is relatively safe, and I think it's better than nothing.

This depends on what insurance you want to buy, if it is closely related to your life, it is of course very reliable, you must find a good insurance company, buy a suitable insurance.

Buying insurance is very reliable, because insurance can protect your life and will compensate you in case of any accidents.

In fact, it is relatively reliable, if we are in danger and meet the insurance company's compensation regulations, then we can ask the insurance company to pay a part of the insurance money.

Generally, regular insurance companies are safe and reliable, because they are supervised by the China Banking and Insurance Regulatory Commission, and the commercial activities of insurance companies' products and claims are also carried out under the supervision of the China Banking and Insurance Regulatory Commission, so you can buy them with confidence. However, before that, it is recommended that you first understand the insurance knowledge before buying:Before buying insurance, you must first understand these key knowledge points!

Generally, judging whether an insurance company is reliable or not can be judged by the following aspects:

First, it is judged by the background strength of the company.

According to the Insurance Law, the minimum registered capital of an insurance company shall not be less than RMB 200 million, and at the same time, it must meet the two conditions of shareholders having strength and managers being able to operate. Therefore, whether it is a large company or a small company, it can pass the requirements of the CBIRC, and its background strength cannot be underestimated.

I believe that when you choose an insurance company, you will not know whether to choose a large company or a small companyIs it better to buy insurance for a large company or a small company?

The second is to judge by the solvency of the insurance company.

Solvency refers to the ability of the insurance company to repay its debts, which is simply whether the insurance company has the ability to pay the insurance money.

Generally, the CBIRC stipulates that a qualified insurance company shall not be less than 50% of its core solvency ratio and 100% of its comprehensive solvency ratio, as well as its comprehensive risk rating of not less than B.

If there are still friends who don't know how to judge whether an insurance company is reliable, then you must take a look:When we look at insurance companies, what exactly do we look at? Hope!

It is certainly necessary to buy insurance. Insurance cannot avoid accidents, nor can it affect our birth, old age, sickness and death, but buying insurance can reduce the financial impact caused by illness and accidents, and reduce the financial burden for yourself and your family. The main types of life insurance on the market include accident insurance, medical insurance, critical illness insurance, and life insurance.

Premiums are limited to 5% to 20% of annual income.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Whether there is a need to buy, whether individuals need to buy, and what kind of suitable one to buy, all of which must be combined with their actual situation (including family situation, financial situation, financial situation, income consumption situation, etc.), not everyone needs it.